EP1854059A4 - Paiement non frauduleux d'achats sur internet - Google Patents

Paiement non frauduleux d'achats sur internet

Info

Publication number
EP1854059A4
EP1854059A4 EP06765600A EP06765600A EP1854059A4 EP 1854059 A4 EP1854059 A4 EP 1854059A4 EP 06765600 A EP06765600 A EP 06765600A EP 06765600 A EP06765600 A EP 06765600A EP 1854059 A4 EP1854059 A4 EP 1854059A4
Authority
EP
European Patent Office
Prior art keywords
fraud
free payment
internet purchases
purchases
internet
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP06765600A
Other languages
German (de)
English (en)
Other versions
EP1854059A2 (fr
Inventor
Heng Kah Choy
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Publication of EP1854059A2 publication Critical patent/EP1854059A2/fr
Publication of EP1854059A4 publication Critical patent/EP1854059A4/fr
Ceased legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/26Debit schemes, e.g. "pay now"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
EP06765600A 2005-01-26 2006-01-26 Paiement non frauduleux d'achats sur internet Ceased EP1854059A4 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US64731505P 2005-01-26 2005-01-26
PCT/IB2006/001756 WO2006117695A2 (fr) 2005-01-26 2006-01-26 Paiement non frauduleux d'achats sur internet

Publications (2)

Publication Number Publication Date
EP1854059A2 EP1854059A2 (fr) 2007-11-14
EP1854059A4 true EP1854059A4 (fr) 2011-08-03

Family

ID=37308366

Family Applications (1)

Application Number Title Priority Date Filing Date
EP06765600A Ceased EP1854059A4 (fr) 2005-01-26 2006-01-26 Paiement non frauduleux d'achats sur internet

Country Status (8)

Country Link
US (1) US8740069B2 (fr)
EP (1) EP1854059A4 (fr)
JP (2) JP2008529146A (fr)
KR (1) KR101413773B1 (fr)
CN (1) CN101189629A (fr)
AU (1) AU2006242850A1 (fr)
CA (1) CA2595920C (fr)
WO (1) WO2006117695A2 (fr)

Families Citing this family (41)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102006059731A1 (de) * 2006-12-18 2008-06-19 Wincor Nixdorf International Gmbh Verfahren zum Autorisieren mindestens einer Transaktion durch ein Banksystem
US9779556B1 (en) 2006-12-27 2017-10-03 Stamps.Com Inc. System and method for identifying and preventing on-line fraud
US8024238B2 (en) * 2008-04-24 2011-09-20 Visa U.S.A. Inc. Negative balance management
US9779397B2 (en) 2010-06-14 2017-10-03 Automated Cashless Systems, Inc. Transactional system and method for a table game
US8715066B2 (en) 2010-06-14 2014-05-06 Automated Cash Systems, Llc System and method for electronic fund transfers for use with gaming systems
US10223866B2 (en) 2010-06-14 2019-03-05 Automated Cashless Systems, Inc. Electronic transaction systems and methods for gaming or amusement credit purchases
US9728039B2 (en) 2010-06-14 2017-08-08 Automated Cash Systems, Inc. Enabling financial transactions for electronic gaming machines
US20120084200A1 (en) * 2010-10-01 2012-04-05 Michel Triana Systems and methods for completing a financial transaction
JP4970629B1 (ja) * 2012-02-29 2012-07-11 楽天株式会社 情報処理装置、情報処理方法、情報処理プログラム及び記録媒体
JP6223334B2 (ja) * 2012-06-15 2017-11-01 株式会社Mrsホールディングズ 入金システム
CN103577984A (zh) * 2012-07-18 2014-02-12 中兴通讯股份有限公司 支付方法及装置
US9589298B2 (en) * 2013-02-21 2017-03-07 Yodlee, Inc. Financial account authentication
CN104348618B (zh) * 2013-07-30 2018-12-25 中国银联股份有限公司 与资源的转移相关联的安全性信息交互方法
US9996827B2 (en) 2013-09-10 2018-06-12 Boku, Inc. System and method for metered parking at a parking server
US9569761B2 (en) 2013-09-20 2017-02-14 Boku, Inc. Text-to-pay for a new subscription
US9792631B2 (en) 2013-10-16 2017-10-17 Boku, Inc. Merchant managed method and system for text-to-pay subscriptions at a billing server
US20150149349A1 (en) * 2013-11-26 2015-05-28 Boku. Inc. Redeemable code to text
US11282337B2 (en) 2014-05-13 2022-03-22 Automated Cashless Systems, Inc. Enabling financial transactions for electronic gaming machines
US11508213B2 (en) * 2014-05-13 2022-11-22 Automated Cashless Systems, Inc. Enabling financial transactions for electronic gaming machines
US11410499B2 (en) * 2014-05-13 2022-08-09 Automated Cashless Systems, Inc. Financial gaming passport for cashless mobile gaming
US11669815B1 (en) * 2015-07-17 2023-06-06 Automated Cashless Systems, Inc. Financial transaction gateway systems and methods
US11669894B2 (en) * 2014-05-30 2023-06-06 Midigator, Llc Transaction retrieval, transaction matching, alert generation, and processing of dispute alerts
US9697517B1 (en) * 2014-10-03 2017-07-04 State Farm Mutual Automobile Insurance Company Token generation in providing a secure credit card payment service without storing credit card data on merchant servers
CN104504571A (zh) * 2014-12-16 2015-04-08 新余兴邦信息产业有限公司 一种线上商品防伪验证的方法及装置
US9626680B1 (en) 2015-01-05 2017-04-18 Kimbia, Inc. System and method for detecting malicious payment transaction activity using aggregate views of payment transaction data in a distributed network environment
US10043160B2 (en) 2015-01-16 2018-08-07 Bank Of America Corporation Method and apparatus for providing a balance-verified ACH identifier
WO2016183508A1 (fr) * 2015-05-13 2016-11-17 Omnypay, Inc. Procédés et systèmes pour utiliser une identité de consommateur pour effectuer des transactions électroniques
US20210264555A1 (en) * 2015-07-17 2021-08-26 Automated Cashless Systems, Inc. Electronic financial transactions for a table game with delayed printing
CN108369700A (zh) * 2015-10-27 2018-08-03 屯屯·闻 移动支付系统
JP2016219052A (ja) * 2016-08-24 2016-12-22 株式会社Mrsホールディングズ 入金システム
US11100508B2 (en) * 2018-09-06 2021-08-24 Mastercard International Incorporated Multi-party payment card processing systems and methods with foreign exchange transaction detection and chargeback loss mitigation
US11245536B2 (en) * 2019-04-16 2022-02-08 Meta Platforms, Inc. Secure multi-party computation attribution
US11455651B2 (en) * 2019-04-16 2022-09-27 Meta Platforms, Inc. Attribution of conversion made by a client using impression block and conversion block
US11741465B2 (en) 2019-05-02 2023-08-29 Mastercard International Incorporated Systems and methods for generating pre-chargeback dispute records
US11250414B2 (en) 2019-08-02 2022-02-15 Omnyway, Inc. Cloud based system for engaging shoppers at or near physical stores
US11468432B2 (en) 2019-08-09 2022-10-11 Omnyway, Inc. Virtual-to-physical secure remote payment to a physical location
CN113256294B (zh) * 2019-12-13 2022-12-16 支付宝(杭州)信息技术有限公司 一种网络支付方法、装置、设备及系统
US20210398113A1 (en) * 2020-06-17 2021-12-23 Synchrony Bank Status system with data security for transactions
CN111738708B (zh) * 2020-06-19 2024-04-26 中国建设银行股份有限公司 一种数据处理方法、装置、服务器及存储介质
US11908277B2 (en) * 2021-05-24 2024-02-20 Automated Cashless Systems, Inc. Financial gaming passport for cashless mobile gaming
CN117355856A (zh) * 2021-05-27 2024-01-05 维萨国际服务协会 使用数字标签的用户验证

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001059731A1 (fr) * 2000-02-09 2001-08-16 Internet Cash.Com Procedes et systemes permettant des paiements electroniques securises
US20020002538A1 (en) * 2000-01-26 2002-01-03 Ling Marvin T. Method and apparatus for conducting electronic commerce transactions using electronic tokens
EP1213689A2 (fr) * 2000-12-07 2002-06-12 Fiducia AG Karlsruhe/Stuttgart Méthode pour le traitement automatique d'opérations de paiement en commerce électronique ainsi qu'un dispositif à cet effet

Family Cites Families (47)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IL72802A (en) * 1984-08-29 1990-01-18 N T E Parkulator Time metering device particularly useful as a parking card
US5434919A (en) * 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
US5892827A (en) * 1996-06-14 1999-04-06 Catalina Marketing International, Inc. Method and apparatus for generating personal identification numbers for use in consumer transactions
JPH09251494A (ja) * 1996-03-18 1997-09-22 U Card:Kk 仮想プリペイドカードによる決済システム
US6085168A (en) * 1997-02-06 2000-07-04 Fujitsu Limited Electronic commerce settlement system
JP4307564B2 (ja) * 1997-03-26 2009-08-05 ブリティッシュ・テレコミュニケーションズ・パブリック・リミテッド・カンパニー トランザクションシステム
US6014636A (en) * 1997-05-06 2000-01-11 Lucent Technologies Inc. Point of sale method and system
IL122263A0 (en) 1997-11-20 1998-04-05 Barkan Mordehay Payment system and method using tokens
JPH11259565A (ja) * 1998-03-11 1999-09-24 Dainippon Printing Co Ltd Icカード
US6607136B1 (en) * 1998-09-16 2003-08-19 Beepcard Inc. Physical presence digital authentication system
JP2000113085A (ja) * 1998-10-08 2000-04-21 Sony Corp 電子現金システム
US6467684B2 (en) 1999-03-02 2002-10-22 Netvisions, Inc. Pre-paid card system for purchasing products or services
JP3573995B2 (ja) * 1999-03-15 2004-10-06 株式会社エヌ・ティ・ティ・データ プリペイドカードの再利用システム
JP3459376B2 (ja) * 1999-04-28 2003-10-20 株式会社 ネットバンクサービス 携帯電話機能を備えたモバイル端末を用いた電子金融取引システム、電子クレジットカードシステム、電子個品割賦システム及び電子マネーシステム
JP2000322493A (ja) * 1999-05-10 2000-11-24 Nec Corp 電子商取引システム及び電子商取引方法
US20030105672A1 (en) * 1999-07-09 2003-06-05 Epstein John B. Method and apparatus to facilitate payment over a computer network
AU4350699A (en) * 1999-08-11 2001-02-15 Khai Hee Kwan Method, apparatus and program to make payment in any currencies through a communication network system
JP2001184415A (ja) * 1999-12-27 2001-07-06 Mitsubishi Heavy Ind Ltd 予約料金徴収方法および予約料金徴収装置
JP2001250068A (ja) * 1999-12-27 2001-09-14 Tokyo Mechatronics:Kk デビットカードを利用したカード決済システム
AU2001231060A1 (en) * 2000-01-20 2001-07-31 David Thieme System and method for facilitating secure payment with privacy over a computer network including the internet
JP2001297356A (ja) 2000-02-08 2001-10-26 Tokyo Mechatronics:Kk インターネットにおけるプリペイドカード決済システム
JP2001297288A (ja) * 2000-02-08 2001-10-26 Tokyo Mechatronics:Kk インターネットにおけるプリペイドカード決済システムおよびその方法、ならびにそれらに使用する装置と方法
US20010029485A1 (en) * 2000-02-29 2001-10-11 E-Scoring, Inc. Systems and methods enabling anonymous credit transactions
AUPQ608000A0 (en) 2000-03-07 2000-03-30 Technocash Pty Ltd Electronic commerce payment system
US7627531B2 (en) * 2000-03-07 2009-12-01 American Express Travel Related Services Company, Inc. System for facilitating a transaction
SE525418C2 (sv) * 2000-03-19 2005-02-15 Efb Energifoerbaettringar Ab Betalningssystem
JP2001266027A (ja) * 2000-03-21 2001-09-28 Tokyo Mechatronics:Kk カード決済システム
US20030004828A1 (en) 2000-04-27 2003-01-02 S/B Exchange Enterprises, Inc. Prepaid card authorization and security system
US6805288B2 (en) * 2000-05-15 2004-10-19 Larry Routhenstein Method for generating customer secure card numbers subject to use restrictions by an electronic card
JP4914533B2 (ja) * 2000-06-05 2012-04-11 株式会社三井住友銀行 情報処理装置及び情報処理方法
US20020174062A1 (en) * 2001-05-16 2002-11-21 Sines Randy D. Purchasing on the internet using verified order information and bank payment assurance
JP3494971B2 (ja) * 2000-10-10 2004-02-09 株式会社ウェブマネー 電子取引システム、販売サーバ、決済サーバ、販売方法、決済方法、ならびに、情報記録媒体
JP2002123779A (ja) * 2000-10-12 2002-04-26 Hitachi Ltd 決済処理方法及びシステム並びにプログラムを格納した記録媒体
JP2002163580A (ja) * 2000-11-22 2002-06-07 Ntt Data Corp 電子取引方法、センタ及び店舗端末
US7308424B2 (en) * 2001-03-12 2007-12-11 Ricoh Company, Ltd. Electronic commerce system and electronic commerce method
US7865427B2 (en) * 2001-05-30 2011-01-04 Cybersource Corporation Method and apparatus for evaluating fraud risk in an electronic commerce transaction
AUPR647701A0 (en) * 2001-07-19 2001-08-09 Synkronos Pty Ltd Virtual credit card terminal and method of transaction
JP2003076851A (ja) * 2001-08-30 2003-03-14 Koei:Kk オリジナル電子マネーシステム、オリジナル電子マネーによる取引方法、記録媒体及びプログラム
US6908030B2 (en) * 2001-10-31 2005-06-21 Arcot Systems, Inc. One-time credit card number generator and single round-trip authentication
WO2003073388A1 (fr) * 2002-02-27 2003-09-04 Teleglobal International Ltd. Procede et appareil de paiement electronique securise
US20040267673A1 (en) * 2002-09-13 2004-12-30 Ballard Claudio R. Processing of credit card transactions using internet protocol
US7195151B2 (en) * 2003-02-25 2007-03-27 American Cash Exchange, L.L.C. Method and system for automated value transfer
WO2004079609A1 (fr) * 2003-03-07 2004-09-16 Snapcount Limited Traitement de transactions
US7428637B1 (en) * 2003-07-30 2008-09-23 Billman Richard E Dynamic authentication and initialization method
US7472827B2 (en) * 2004-05-17 2009-01-06 American Express Travel Related Services Company, Inc. Limited use PIN system and method
US7922082B2 (en) * 2008-01-04 2011-04-12 M2 International Ltd. Dynamic card validation value
CA3013973A1 (fr) * 2010-08-25 2012-03-01 Ace Series A. Holdco Llc Autorisation de reglement en especes

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020002538A1 (en) * 2000-01-26 2002-01-03 Ling Marvin T. Method and apparatus for conducting electronic commerce transactions using electronic tokens
WO2001059731A1 (fr) * 2000-02-09 2001-08-16 Internet Cash.Com Procedes et systemes permettant des paiements electroniques securises
EP1213689A2 (fr) * 2000-12-07 2002-06-12 Fiducia AG Karlsruhe/Stuttgart Méthode pour le traitement automatique d'opérations de paiement en commerce électronique ainsi qu'un dispositif à cet effet

Also Published As

Publication number Publication date
CN101189629A (zh) 2008-05-28
WO2006117695A2 (fr) 2006-11-09
AU2006242850A1 (en) 2006-11-09
CA2595920C (fr) 2015-04-07
CA2595920A1 (fr) 2006-11-09
US20060218091A1 (en) 2006-09-28
JP2013058253A (ja) 2013-03-28
JP2008529146A (ja) 2008-07-31
EP1854059A2 (fr) 2007-11-14
KR101413773B1 (ko) 2014-07-01
WO2006117695A3 (fr) 2007-04-19
KR20070103043A (ko) 2007-10-22
US8740069B2 (en) 2014-06-03

Similar Documents

Publication Publication Date Title
EP1854059A4 (fr) Paiement non frauduleux d'achats sur internet
EP1886215A4 (fr) Transformations de transactions
EP2115677A4 (fr) Transactions de paiement en ligne
EP2218043A4 (fr) Opérations de paiement en ligne
EP1723603A4 (fr) Paiement emis par un acheteur
GB2430297A8 (en) Transaction apparatus for enacting token-less transactions
EP2087639A4 (fr) Sécurisation de données de paiement
EP1859402A4 (fr) Procedes et systemes evolues servant a assurer l'integrite d'un reglement
EP1931551A4 (fr) Mecanisme a roues
EP1938257A4 (fr) Commerce electronique via internet securise
EP2122533A4 (fr) Achat vente mobile
ZA200804250B (en) Incentive program
HK1105139A1 (en) Stroller
HK1115921A1 (en) Oblique tourbillon
AP2007004126A0 (en) Invoice financing
EP1999699A4 (fr) Définition d'un document informatisé basée sur une instance edi
EP1864414A4 (fr) Incitation a la visualisation
GB0517341D0 (en) Pushchair
GB0511480D0 (en) Smart cart
GB0519519D0 (en) Payment terminals
GB2450018B (en) Dolly
HK1103287A1 (en) Stroller
GB0518208D0 (en) Promotional card for purchases
GB0507799D0 (en) D1-z1-j wheel
GB0522258D0 (en) Safe internet payment system

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

17P Request for examination filed

Effective date: 20070827

AK Designated contracting states

Kind code of ref document: A2

Designated state(s): AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LI LT LU LV MC NL PL PT RO SE SI SK TR

AX Request for extension of the european patent

Extension state: AL BA HR MK YU

DAX Request for extension of the european patent (deleted)
A4 Supplementary search report drawn up and despatched

Effective date: 20110706

RIC1 Information provided on ipc code assigned before grant

Ipc: G06Q 20/00 20060101AFI20110630BHEP

17Q First examination report despatched

Effective date: 20120731

REG Reference to a national code

Ref country code: DE

Ref legal event code: R003

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED

18R Application refused

Effective date: 20171120